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Peer Analysis

Performance Ratios (%) THFF Peer Median Peer Average
ROAA 1.26 1.18 1.15
ROAE 9.10 10.31 10.00
Net Interest Margin 4.12 3.42 3.48
Efficiency Ratio 57.27 55.68 55.31
Loans / Deposits 77.00 91.36 88.54
Asset Quality Ratios (%)
NPAs / Assets 0.51 0.58 0.84
NCOs / Avg Loans 0.21 0.07 0.08
Reserves / Loans 0.84 1.11 1.23
Reserves / NPAs 105.31 111.83 226.28
Capital Ratios (%)
Tier 1 Capital 15.44 13.38 14.81
Tangible Equity / Tangible Assets 11.73 11.14 10.33
Total Equity / Total Assets 13.51 11.29 11.13
Market Ratios
Price / Earnings (x) 9.09 9.42 10.91
Price / Book (%) 79.23 87.43 103.86
Dividend Yield (%) 3.05 4.40 4.11
Data for trailing four quarters

First Financial Corporation's peer group consists of the following: Community Trust Bancorp, Inc. (CTBI), Enterprise Financial Services Corp (EFSC), Farmers Capital Bank Corporation, Great Southern Bancorp, Inc. (GSBC), Lakeland Financial Corporation (LKFN), Macatawa Bank Corporation (MCBC), MainSource Financial Group, Inc., Mercantile Bank Corporation (MBWM), Peoples Bancorp Inc. (PEBO)

First Financial Corporation's financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Farmers Capital Bank Corporation's financial data is as of 6/30/2018.
Community Trust Bancorp, Inc.'s financial data is as of 9/30/2020.
MainSource Financial Group, Inc.'s financial data is as of 3/31/2018.
Peoples Bancorp Inc.'s financial data is as of 9/30/2020.
Enterprise Financial Services Corp's financial data is as of 9/30/2020.
Mercantile Bank Corporation's financial data is as of 9/30/2020.
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